Apparently, Photoshop doesn't have ram to do anything as simple as editing text or saving the file, the file size is about 70mb but worked fine months ago when I first made it for a client and now I went into it to make changes he requested & even if I give it 85-100% ram which I have 16gb of, I still get the stupid not enough memory message!

Is this just happening on that particular file or all files, about the GPU issue have you made sure that the drivers for both the Intel and Nvidia are up to date, also take a look here, especially section 7

I reverted to 19.1.7 & all the issues are solved, it almost feels like every update is more of a screw up than an update. Kind of sad that a multi-billion dollar corporation can't get their crap together & push out fixes / be more involved in their community shows how much they care!